New bankrupt

Tony98765

Ok so 1 month ago I was declared bankrupt. I've had my meeting etc with my OR and agreed to a IPA of £155 a month for 3 years.
My questions are as follows.
1. When I asked my OR about what happens in regards to overtime etc (as I have to do overtime from time to time but it isn't guarenteed) she wouldnt give me a straight answer, I asked her at least 4 times and every time she would say if it's not guaranteed then she can not take it into account. So from experience what does this mean without me sounding thick. Because the way I took it from the phone call was she wasn't intrested in any over time unless it was over a guaranteed about of time.
2. I am/was paying for a car on finance. In till they decided that just because I was now bankrupt they wanted to cancel my contract. So when I told the OR about this and explained that I needed a car she said the amount that I was paying for car could be used as allowance for a new car / transport etc.
What seems to puzzle me is that when I read about bankruptcy etc. it is not described this way.
Are some OR more lapse than others?
Has she lead me into a false sence of security?

I was told on Monday that I am getting a bonus in January. So I shall see what she says about that on Monday.

If anyone has had any experiences like this please advise.:cool:

fermi

1. Unless it's guaranteed, then it's just not worth the bother of amending or collecting under an IPA. You've told them as if your responsibility, and they don't wish to claim any of it.

2. Bankruptcy is not punitive, or at least should not be. They have a duty to let you meet your reasonable domestic needs, and it would not do that or benefit anyone by disallowing you to have transport to work. Different OR's can have a bit of a differer take on that, but in the end they have to have that basic principle in mind. If they are harsh so that they do not allow you to meet reasonable domestic needs, they would leave themselves open to legal challenge, so even sometimes when one is unreasonable, it's usually remediable if you push.

KeepOnKnitting

I just thought I would bob in and say that about half of my income is through a zero hours contract. I've got my OR appointment tomorrow afternoon, so I'll let you know what they say about that, as obviously my hours are unpredictable too.